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José Isidro
José Isidro lives in his house with his family unit composed of his spouse and children. He’s worked growing corn and beans for many years. Sometimes he also works harvesting coffee since he’s a hardworking man who looks for any honest way to earn income. His main source of income is agriculture like all farmers. He cultivates the land every year and after taking in his harvest sells part of it. In this way he’s able to support his family economically since he’s the only one who contributes economically to the home. It’s worth mentioning that agriculture isn’t a full-time job. Corn and bean crops are seasonal and are only harvested once a year. This causes all farmers to strive the most they can to produce abundant harvests. José is one of them and because the planting season has begun already he’s decided to ask INTEGRAL for a loan to buy manure, insecticide and seeds because he does not have means of his own to do so. He is a man with credit experience and is very grateful to this institution for the help they provided him previously.
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José Isidro habita en su casa junto con su grupo familiar el cual está integrado por su compañera de vida y sus hijos. Se dedica al cultivo de maíz y frijoles desde hace muchos años. Algunas veces también realiza trabajos de corta de café, ya que él es un hombre trabajador y busca cualquier forma honrada para inyectar efectivo a su economía. Su principal fuente de ingresos es la agricultura al igual que para todo campesino. Cada año cultiva la tierra y después de sacar la cosecha pone a la venta una parte de la misma. De esta forma es como logra sostener económicamente a su familia ya que él es único que aporta a la economía del hogar. Vale la pena mencionar que la agricultura no es un negocio de todo el tiempo, las cosechas de maíz y frijoles es por temporada y solo se da una vez al año. Esto hace que todo campesino se esfuerce lo más que puede para sacar una cosecha abundante. El señor José es uno de ellos, debido a que la temporada para la siembra ya comenzó, ha decidido solicitar este crédito a INTEGRAL para invertir en abono, insecticidas y semillas ya que no puede hacer el desembolso por sus propios medios. Es un hombre con experiencia crediticia el cual está muy agradecido con esta institución por la ayuda que anteriormente le brindaron.

Additional Information

More information about this loan

This loan is part of Apoyo Integral's program to help subsistence farmers located in high-risk regions of El Salvador, including coastal strips, river banks, and volcano fault lines. The program, which offers reduced interest rates, targets farmers who don't qualify for formal funding due to their low-income and geographical risk. By funding this loan, you are helping Apoyo and a local non-governmental organization extend risk-tolerant credit to even more farmers.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About El Salvador

  • $7,500
    Average annual income
  • 667
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped José Isidro to buy seeds and farm supplies.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jul 22, 2012
Aug 13, 2012
Currency Exchange Loss:
Sep 15, 2012